MCA Collections & Merchant Relations Associate

Topaz HR•Newark, NJ

35d•$70,000 - $80,000•Onsite

About The Position

Our client is looking for a driven, proactive Collections / Merchant Relations Associate who will be on the front lines of our MCA portfolio every day. This role is heavily focused on maintaining strong, consistent communication with merchants to ensure payments remain on track. Successful candidates will manage a large volume of accounts, identify early warning signs, and work directly with merchants to resolve missed payments, negotiate short-term arrangements, and protect performance across the book.

Requirements

1–4 years in MCA collections, small-business lending collections, merchant services, or similar financial services.
Outreach experience; comfortable making dozens of calls per day.
Strong negotiation and communication skills, especially in difficult or sensitive conversations.
Organized and detail-oriented with the ability to manage hundreds of accounts simultaneously.
Understanding of ACH flows, merchant cash advance structures, and payment processors preferred.

Nice To Haves

Experience with LendSaaS or similar MCA/CRM tools is a plus.

Responsibilities

Conduct daily outbound calls, texts, and emails to merchants regarding repayment schedules, missed payments, and account updates.
Serve as the primary liaison for merchants, ensuring they understand obligations, timing of remittances, and any issues affecting payment flow.
Build and maintain professional, trust-based relationships to encourage responsiveness and cooperation.
Address merchant questions quickly, escalate relevant issues internally, and keep all parties aligned.
Own the collections process for delinquent and at-risk accounts across the MCA portfolio.
Review daily payment activity, bank returns, NSF activity, and funding variances to identify problem accounts immediately.
Initiate immediate outreach on missed or reduced payments and work to bring merchants back into good standing.
Negotiate repayment plans, short-term workouts, or catch-up schedules when appropriate.
Track aging, maintain accurate and detailed notes in the CRM, and prepare delinquency reports for management.
Work closely with internal teams and external partners (ISOs, processors, legal) to reduce losses and improve recovery rates.
Monitor daily ACH activity and repayment patterns to anticipate early signs of distress.
Flag significant changes in business activity or bank health and coordinate with underwriting or servicing teams.
Assist in renewal screening or restructuring conversations as needed.
Maintain and update payment records, communication logs, and documentation in the CRM.
Coordinate with payment processors and internal accounting teams to ensure proper allocation of funds.
Contribute to process improvements around delinquency handling, outreach cadence, and merchant engagement.